Centier Bank: SBA Lending Record

SBA's record for Centier Bank

525 approved loans sit against Centier Bank in FY2017 to FY2026 files, $137.4 million gross. Centier Bank is recorded by SBA in Indiana. All 525 loans are holdings: SBA names Centier Bank as holder or last holder. 525 loans belong to SBA 7(a). Centier Bank has 0 under SBA 504. Centier Bank's last year, FY2026, is complete. $137.4 million gross across 525 loans is the scale of Centier Bank's record. SBA, not Centier Bank, stands behind the 525 loans; the figures show holdings, not policy.

376 of Centier Bank's 525 loans have no named class. Centier Bank lists these classes: Limited-service restaurant, 40; Full-service restaurant (25); Beauty salon (16); Fitness center (15); Automotive mechanical repair (car and truck), 10; Rehabilitation and therapy clinic, 9; Coffee shop and snack bar, 6; Medical office (physicians) at 5; Liquor store, 5. Of 525 loans, 376 are unclassed and 40 are Limited-service restaurant. A class view of Centier Bank spans part of 525. 25 Full-service restaurant loans trail 40 Limited-service restaurant at Centier Bank.

Centier Bank by state

By state at Centier Bank: Indiana at 509; Illinois, 10. Indiana is also where SBA records Centier Bank, so the book starts at home. Indiana alone holds 509 of Centier Bank's 525 loans. Centier Bank's table maps 525 loans, no boundary for sites beyond Indiana.

Centier Bank outcome floors

FY2017 to FY2024 approvals: 17.5% cancelled after approval, a floor. In the Centier Bank book, no ceiling appears. Such a ceiling treats still-undisbursed loans as cancelled ones. The Loan Analytics presentation policy holds it back for small groups. It is not zero; it is not estimated. Across 182 loans disbursed in FY2017 to FY2021, 5.5% are charged off to date, a floor. At Centier Bank, the rate counted to year five stays off the page. The Loan Analytics test leaves it unprinted for small groups. It is not zero; nothing is inferred. A 17.5% floor at Centier Bank says approval is no funding. 5.5% charged off in 182 loans: cash flow must hold. For Centier Bank, test one is site demand. At Centier Bank, test two is full project cost. At Centier Bank, test three is debt service coverage. At Centier Bank, test four is the appraisal.

Centier Bank's book gives a lender $137.4 million gross across 525 loans. Centier Bank's file hands a borrower 525 holdings and no terms. The 525 loans cannot show how Centier Bank would treat a request. 40 Limited-service restaurant loans lead the named classes. Centier Bank's record stops at holdings. A study brought to Centier Bank stands alone. Nothing beyond 525 loans appears for Centier Bank.